| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 8.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.15% |
| ALTERNATIVE RISK UNDERWRITING, LLC3 | 1834 WALDEN OFFICE SQUARE SUITE 550 SCHAUMBURG, IL 60173 | HCC LIFE INSURANCE COMPANY | $1K | $645 | $2K | 7.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES, INC. | 125 WEST 11TH STREET NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $430 | $0 | $430 | 21.56% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $99 | $0 | $99 | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | FEDERAL INSURANCE COMPANY | $153 | $0 | $153 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 117 | $23K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 96 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $137K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.